449 N 3rd St, Cambridge, OH 43725 Property Records

Guernsey County property record for 449 N 3rd St, Cambridge, OH 43725

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 384 sqft · built 1997
Lot Size	0.098 acres (4,250 sqft)
Owner	Individual Name on Record
Last Sale	$36,500 (Sep 2018)
Tax Bill	$640 (2025)
Deeds & Mortgages	Sep 2018 Sale & Mortgage Dec 2016 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-0006733.000`

Property Details

APN / Parcel Number

Primary APN	`06-0006733.000`
Alternative APN	`003338-3`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	384 sqft Living Area
Basement Area	768 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Wood
Roof Material	Shingle
Lot Area	4,250 sqft (0.098 acres)
Lot Dimensions	85 ft deep x 50 ft wide
Garage Area	768 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	003338-3
Street Address	449 N 3RD ST
City	CAMBRIDGE
State	OH
Zip	43725-1364
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R3 T2 SA04-04 NE PT OL 2 LOFLAND 3
Legal Range	03W
Legal Township	02N
Legal Section	04
Legal Subdivision	LOFLAND
Legal Tract	2
Legal Lot Number	OL2
Jurisdiction	GUERNSEY OH
Township / Civil Division	CAMBRIDGE
Census Block Group	3
Census Block	3041
Census Tract	977400

Owner

Source: Guernsey County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2562 BOGGS RD, ZANESVILLE, OH 43701-9179
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2018	Limited Warranty Deed, Transfer · ARM THE COMMUNITY BANK
Dec 29, 2016	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2018 · Amount on Record
Deed Sale	Sep 25, 2018 · Amount on Record
Deed Document Number	20185557
Deed Book / Page	558 / 5857
Record Updated	Sep 20, 2026

September 2018: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	GUERNSEY OH
Recording Date	Sep 25, 2018
Property Address	449 N 3RD ST, CAMBRIDGE, OH 43725-1364
Document Number	00558/5857
Book / Page	558 / 5857
Map Reference	CAB 1 SL 78
Instrument Date	Sep 17, 2018
Instrument	201800005557
Transaction Type	Transfer
Record Updated	Mar 3, 2026
Title Company	ABC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$146.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 N 5TH ST, ZANESVILLE, OH 43701-3533
Investor	Possibly a Property Investor

Mortgage

Document Number	201800005558
Date	Sep 25, 2018
Instrument	201800005558

Lender

Name	THE COMMUNITY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Oct 1, 2023
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	12%

December 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUERNSEY OH
Recording Date	Dec 29, 2016
Property Address	449 N 3RD ST, CAMBRIDGE, OH 43725-1364
Document Number	00543/1708
Book / Page	543 / 1708
Map Reference	CAB 1 SL 78
Instrument Date	Dec 28, 2016
Instrument	201600007260
Transaction Type	Transfer
Record Updated	Mar 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 WATCHOWER DR, PATTERSON, NY 12563-2232
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Guernsey County assessment roll, as of March 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Guernsey County
County Subdivision	Cambridge Township
Municipality	Cambridge City
Unified School District	Cambridge City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$640.00 (-1.39%)	$12,708 (-) Land $1,774 Building $10,934
2024	$649.00 (+11.51%)	$12,708 (+17.12%) Land $1,774 Building $10,934	$36,310 (+17.02%) Land $5,070 Building $31,240
2023	$582.00 (+5.05%)	$10,850 (-0.09%) Land $1,516 Building $9,334
2022	$554.00	$10,860 Land $1,530 Building $9,330	$31,030 (+0.1%) Land $4,360 Building $26,670
2021			$31,000 Land $4,330 Building $26,670

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	28 (1979–2026)
Claims Outside the SFHA	3 of 28
Most Recent Claim	Aug 2026 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2004 · 8 claims Severe Storms, Flooding, And Tornadoes, Jun 1998 · 9 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF CAMBRIDGE serves 10,520 people · EPA ID OH3000111
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jun 2019 Total trihalomethanes resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Smart Way Communications.

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